What Tim Offers
Loan Programs for Every Situation
Tim works with a wide range of loan products — from straightforward conventional loans to complex investor financing. If there's a path to get you financed, Tim knows it.
DSCR Investor Loans
Qualify on the property, not your paycheck.
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors who want to qualify based on the rental income a property generates — not their personal W-2 income. If the rent covers the mortgage, you're in business.
Program Details
- No personal income verification required
- Qualify based on property cash flow
- Available for single-family, multi-unit, and short-term rentals
- Ideal for growing a rental portfolio
- Competitive rates for well-qualified investors
Self-Employed / Bank Statement Loans
Your tax returns don't tell the whole story.
If you're self-employed, a business owner, or a freelancer, your tax returns often show less income than you actually earn — because you're doing what you're supposed to do and writing things off. Bank statement loans use your actual deposits to qualify you instead.
Program Details
- 12 or 24 months of bank statements used for income
- No tax returns or W-2s required
- Works for sole proprietors, LLCs, and S-corps
- Competitive rates for strong credit profiles
- Available for purchase and refinance
Conventional Loans
The workhorse of home financing.
Conventional loans are the most common type of mortgage — and for good reason. They offer competitive rates, flexible terms, and no upfront mortgage insurance when you put 20% down. For buyers with solid credit and stable income, this is often the best option.
Program Details
- Down payments as low as 3%
- No upfront mortgage insurance with 20% down
- Fixed and adjustable rate options
- Loan amounts up to conforming limits
- Available for primary homes, second homes, and investment properties
FHA Loans
A solid path to homeownership.
FHA loans are backed by the Federal Housing Administration and offer more flexible qualification guidelines than conventional loans. Lower down payment requirements and more lenient credit standards make them a popular choice for first-time buyers.
Program Details
- Down payments as low as 3.5%
- More flexible credit score requirements
- Higher debt-to-income ratios allowed
- Available for 1-4 unit properties
- Can be combined with down payment assistance
Down Payment Assistance
Washington State has programs that can help.
Coming up with a down payment is one of the biggest hurdles for homebuyers. Washington State offers several assistance programs that can cover part or all of your down payment — and Tim knows which ones you actually qualify for.
Program Details
- Washington State Housing Finance Commission programs
- Can be combined with FHA, conventional, and VA loans
- Grants and low-interest second mortgages available
- Income and purchase price limits apply
- Tim will identify which programs fit your situation
VA Loans
A benefit earned by those who served.
VA loans are one of the best mortgage products available — zero down payment, no private mortgage insurance, and competitive interest rates. If you've served in the military, this benefit is yours to use.
Program Details
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit requirements
- Available for purchase, refinance, and cash-out
Jumbo Loans
Financing for higher-priced properties.
When the purchase price exceeds conventional loan limits, you need a jumbo loan. Tim works with lenders who offer competitive jumbo products for well-qualified buyers — without the bureaucratic runaround of a big bank.
Program Details
- Loan amounts above conforming limits
- Fixed and adjustable rate options
- Available for primary homes and second homes
- Competitive rates for strong credit profiles
- Streamlined process compared to big bank alternatives
Construction Loans
Build it right from the start.
Building a home from the ground up requires a different kind of financing. Construction loans cover the build phase and then convert to a permanent mortgage when construction is complete — so you're not juggling two separate loan processes.
Program Details
- Covers land purchase and construction costs
- Converts to permanent mortgage at completion
- Draw schedule aligned with construction milestones
- Works with licensed general contractors
- Available for custom builds and spec homes
Not Sure Which Loan Fits?
That's exactly what Tim is here for. A quick conversation is usually all it takes to figure out the right direction.